CN112862595B

CN112862595B - Block chain-based interest rate losing transaction method and system, equipment and storage medium

Info

Publication number: CN112862595B
Application number: CN202110168236.6A
Authority: CN
Inventors: 马超群; 陈勋奇; 米先华; 周中定; 李信儒; 兰秋军; 万丽
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2021-02-07
Filing date: 2021-02-07
Publication date: 2023-12-26
Anticipated expiration: 2041-02-07
Also published as: CN112862595A

Abstract

The invention discloses a block chain-based interest rate falling transaction method, a block chain-based interest rate falling transaction system, a block chain-based interest rate falling transaction device and a block chain-based interest rate falling transaction storage medium. According to the method, the technical scheme that the blockchain is combined with the identity authentication and the intelligent contract is utilized, a third party organization involved in traditional interest rate lost transaction is removed, the intermediate process is simplified, the direct butt joint of transaction enterprises is realized, the real financing cost is reduced, the convenient financing interest rate is truly returned to the enterprises, and the achievement of the transaction and the development of the industry are promoted. And moreover, the supervision of the financial market is improved, the credit transparency and the information publicization of the whole interest rate losing market are realized, the risks born by banks and all participants are reduced, the interest rate losing transaction matching and the transaction realization are optimized, and the public transaction market which is safer, more convenient and accords with the supervision is created and realized.

Description

Block chain-based interest rate losing transaction method and system, equipment and storage medium

Technical Field

The invention relates to the technical field of interest rate losing transactions, in particular to a blockchain-based interest rate losing transaction method, a blockchain-based interest rate losing transaction system, blockchain-based interest rate losing transaction equipment and a computer-readable storage medium.

Background

The interest rate losing period refers to that the change of a payment mode is realized on a part of interest payment based on a certain amount of financing liability principal, and the structure of the liability of an enterprise is optimized, so that the reduction of financing cost or the reduction of financing risk is realized. The interest rate losing transaction refers to the fact that the two parties of the enterprise do not exchange principal and only pay the part of interest payable by the other party according to the contract rule of the certain interest rate losing transaction and based on the principal with certain equivalence based on the intention of the interest rate losing. For example, one party may receive a preferential fixed interest rate loan, but wish to raise funds at a floating interest rate to reduce the cost of financing; while the other party may obtain a floating interest rate loan, it is desirable to raise funds at a fixed interest rate to reduce the risk of financing. By exchanging transactions, both parties can obtain the desired form of financing. This transaction, in which one party's interest rate payment portion is exchanged for another party's interest rate payment portion, is an interest rate derating transaction.

As shown in fig. 1, the current interest rate losing model is generally implemented by using a traditional intermediary manner to implement matching of trade opponents and establishment of interest rate losing trade, and the current interest rate losing trade breaks away from the information relationship between the two banks corresponding to the participating company (i.e. bank b and bank d), so that complete risk assessment and transparency of corresponding information of the bank participants cannot be ensured. The following drawbacks of the current technology can thus be summarized:

(1) In the traditional intermediation interest rate losing transaction, the banks and the participating companies are independent of each other, only a credit system is built through a financial intermediary, and credit information and other information do not have fluidity among the whole transaction participants, so that the credit system of the interest rate losing transaction in the traditional intermediation mode is extremely fragile. For the bank aspect of participating in the transaction, the bank aspect can only perform risk assessment according to the credit material submitted by the corresponding company, but cannot know the credit information of the company party participating in the lost transaction. Therefore, the bank cannot completely evaluate and judge the credit level of opponents participating in the lost transaction, and cannot know the risk information of the financial intermediaries, and cannot accurately judge the credit conditions of all the participants, so that the risk born by the bank is actually increased, and the benefits of the bank are damaged. For the participating company, the company can indirectly realize the exchange with the opponent company only through the financial intermediaries, and the related risks and information of the actual trading opponents participating in the exchange with the interest rate cannot be known, so that the participation enthusiasm of the enterprise and the construction of the exchange with the interest rate are not facilitated, and huge potential risks are brought to financing of the enterprise.

(2) In the traditional intermediation mode interest rate lost transaction, a large number of contracts, documents, bills and contracts are involved in opening and signing, the paper bills and contracts are stored in a traditional paper medium in the preservation process, each time the paper bills and contracts are taken and read and stored in a very inconvenient manner, the efficiency of storing various certificates is greatly reduced, and a large amount of manpower and material resource waste is caused. Meanwhile, the paper media are not shared in the whole transaction, and only are transmitted among specific organizations, so that the information circulation of the whole transaction structure is reduced, and the potential risk of the whole lost transaction is increased.

(3) Meanwhile, the paper media have the possibility of counterfeiting, various certificates cannot be prevented from being tampered maliciously in the preservation process, and the preservation cost can be further increased by improving the preservation security, so that the paper certificates cannot reduce the preservation cost and the risks of association transaction.

(4) Another important issue is the risk issue. In traditional intermediated interest rate swaps, the risk of the entire interest rate swaps is concentrated in the financial intermediaries. Participating companies exchange cash flows through financial intermediaries, which incur significant losses to both participating companies and banks once they are unable to operate the cash flow. At the same time, once a party company has a credit problem, the destruction refuses to fulfill the obligation or fails to repay the liability, the financial intermediaries are also at great risk. Moreover, these credit-defect banks have no way to understand and evaluate, and pose a significant threat to the credit base of the entire transaction.

(5) The nature of the interest rate lost transactions is to reduce the cost of the financing transactions and increase the liquidity of capital. And the bank provides different interest rates for different company conditions, so as to bring benefit to middle and small enterprises, support the promotion of emerging enterprises and promote the development of the whole industry. However, under the system of the traditional intermediary mode, the financial intermediary uses the difference of the interest rate to match the transaction company through the lost transaction of the interest rate, the benefit rate provided by the bank for the enterprise is converted into the own benefit, the benefit is obtained from the benefit, the enthusiasm of participation in the aspect of the company is greatly hit, the cost and investment of the benefit of the enterprise are increased, the cost and risk of financing of the enterprise are increased, and the long-term development of the enterprise and the industry is not facilitated.

(6) The examination is not tight, which causes the outflow of domestic assets or tax evasion. The traditional mediating method has the disadvantages of interest rate losing trade and lack of corresponding supervision. On the one hand, when a bank issues a loan to an enterprise, the participation condition of the lost transaction of the other enterprise cannot be known, the risk assessment and the credit judgment can be carried out only according to the credit information submitted by the enterprise, the potential risk existing in the lost transaction cannot be judged correctly, a certain degree of risk threat is caused to the loan business of the bank, and the potential risk of the bank for issuing the loan is increased. On the other hand, because some nationwide companies attempt to make illegal profit through the interest rate off-period transaction or realize tax stealing and tax leakage by the intention, the company signs the interest rate off-period transaction to make contract signing and transaction construction through off-line privacy, and no method is available for realizing all-around supervision and monitoring. The tax-stealing and tax-leaking actions of the companies cause great loopholes and adverse effects to tax systems in China. Meanwhile, supervision is not sufficient, examination is not realized, and unsafe and unstable interest rate losing transactions are caused. Especially, the interest rate losing trade time period is long, the involved mechanism is wide, the problem once occurs is widely spread, and a huge hidden trouble is left for the financial market in China.

Disclosure of Invention

The invention provides a block chain-based interest rate losing transaction method, a block chain-based interest rate losing transaction system, block chain-based interest rate losing transaction equipment and a computer-readable storage medium, which are used for solving the technical problem that the transaction risk is high in the traditional intermediated interest rate losing transaction mode.

According to one aspect of the present invention, there is provided a blockchain-based interest rate derating transaction method, comprising the steps of:

step S1: the method comprises the steps that a plurality of transaction participation nodes and platform nodes submit identity information to an auditing node to conduct identity auditing so as to participate in a transaction network, the auditing node uplinks and audits related identity materials, and after the auditing is passed, the auditing node issues corresponding communication certificates and digital identity files to the transaction participation nodes submitting applications, wherein the transaction participation nodes comprise two financing nodes and two banking nodes;

step S2: respectively and correspondingly constructing financing loan service on a lost transaction display platform by the two financing nodes and the two banking nodes, and uploading corresponding data after the verification of the verification node;

step S3: the method comprises the steps that two financing nodes construct interest rate open-term transactions on an open-term transaction display platform, the platform nodes judge whether the interest rate open-term transactions need to be submitted to an auditing node for auditing according to the scale of the interest rate open-term transactions and rules preset by the auditing node, and relevant data are uploaded after the interest rate open-term transactions are audited;

Step S4: the two financing nodes pay interest rate fees according to the created interest rate lost transactions, and submit relevant data to the platform nodes for auditing, and the data are uplink after the auditing is passed;

step S5: the two financing nodes pay loan interest to the corresponding banking nodes respectively, and upload interest payment materials to the platform nodes, the banking nodes submit collection information materials to the platform nodes after receiving the interest, the platform nodes carry out audit confirmation on the two materials, and corresponding transaction data are uplink after the confirmation is correct.

Further, the step S2 includes the following:

step S21: two financing nodes initiate financing loan application, link corresponding data and search cooperative banking nodes on a lost transaction platform;

step S22: two banking nodes respectively negotiate transaction contents with two financing nodes;

step S23: the two banking nodes audit the loan materials through the falling-period transaction display platform, the credit information of the financing nodes is verified through the digital identity information provided by the falling-period transaction display platform, and the colleagues inquire the historical falling-period transaction records of the financing nodes so as to ensure the evaluation integrity of the banking nodes on the overall risks;

Step S24: after the negotiation is completed, two bank nodes respectively generate corresponding loan business transaction materials through financing loan applications of the corresponding financing nodes, submit the corresponding loan business transaction materials to a lost transaction showing platform and link the business materials;

step S25: the platform node carries out auditing acceptance on the submitted loan business, and submits the loan business to an auditing node for auditing;

step S26: and the auditing node audits the corresponding loan service materials, returns the auditing result to the expiration date transaction display platform after the auditing is finished, and links the auditing result.

Further, the step S3 includes the steps of:

step S31: the two financing nodes submit corresponding interest rate open-term transaction materials to the open-term transaction display platform, and the platform nodes link the transaction materials;

step S32: the platform node judges whether the transaction needs to be submitted to the auditing node for auditing according to the property of the interest rate losing transaction according to the size of the interest rate losing transaction and the difference of laws and regulations set by the auditing node for the interest rate losing transaction;

step S33: and the platform node links the auditing result and returns the auditing result to the corresponding financing node.

Further, the step S3 further includes the following steps:

step S34: the platform node detects corresponding loan business information participated by the financing node on the public account book and feeds back a falling transaction acceptance result to the corresponding banking node.

Further, the step S4 includes the steps of:

step S41: financing nodes participating in the interest rate losing transaction pay interest rate fees to each other according to the created interest rate losing transaction;

step S42: after the payment is finished, the two financing nodes submit the payment materials and receipt materials to a lost transaction display platform for verification;

step S43: the platform node carries out auditing on the submitted materials, when the fact that the interest delivery of the two financing nodes of the interest rate lost transaction is completed is confirmed, the corresponding auditing result is subjected to data uplink, and then the transaction completion information is returned to the two financing nodes.

Further, the step S4 further includes the following steps:

step S44: after the platform node processes the settlement business of the interest rate lost transaction, corresponding loan business information participated by the financing node is detected on a public account book of the blockchain, and the performance information of the lost transaction is returned to the corresponding bank node so as to maintain the knowledge rights of the bank node.

Further, the step S5 includes the steps of:

step S51: the two financing nodes pay corresponding loan interest fees to the corresponding banking nodes respectively;

step S52: after the interest payment is completed, the financing node uploads the related interest payment materials to a falling-period transaction display platform;

step S53: after receiving interest, the bank node uploads the interest receiving material to a lost transaction display platform;

step S54: and the platform node carries out audit confirmation on the submitted interest payment material and the interest collection material, links corresponding transaction data, returns corresponding acceptance information after the audit is completed, and finishes the transaction.

In addition, the invention also provides a block chain-based interest rate losing transaction system, which adopts the interest rate losing transaction method, and comprises the following steps:

the identity auditing module is used for auditing the identity information of the transaction participation nodes and the platform nodes, and issuing corresponding communication certificates and digital identity files to the transaction participation nodes submitting the application after the auditing is passed;

the financing loan module is used for constructing financing loan business and linking related data;

the interest rate losing transaction module is used for constructing an interest rate losing transaction on the interest rate losing transaction platform and uploading related data after the interest rate losing transaction is checked;

The interest rate payment module is used for enabling the two financing nodes to mutually pay interest rate fees according to the created interest rate falling transactions and for uploading data after the related data auditing is passed;

and the loan interest payment module is used for enabling the two financing nodes to respectively pay loan interest to the corresponding banking nodes and linking corresponding transaction data after the interest payment material and the collection information material pass the audit.

In addition, the invention also provides a device comprising a processor and a memory, the memory having stored therein a computer program for executing the steps of the method as described above by invoking the computer program stored in the memory.

In addition, the invention also provides a computer readable storage medium for storing a computer program for conducting a rate derating transaction based on a blockchain, characterized in that the computer program performs the steps of the method as described above when running on a computer.

The invention has the following effects:

according to the blockchain-based interest rate losing transaction method, the credit information of the related participants is published on the blockchain network through the blockchain network, a digital credit platform in a new mode is built, a credit basis is provided for removing the roles of the financial intermediaries, the true transparency of the information is improved, the information non-circulation and the information asymmetry in the traditional intermediation mode are eliminated, and the risk of banks due to the credit problem is reduced. On the basis of a credit platform, a decentralised transaction system is realized, preemption and speculation of enterprise benefit rates by a financial agency in a transaction network are eliminated, and direct connection of a bank enterprise is realized, so that the benefit rates truly fall to a real place, and a benefit rate expiration tool truly benefits enterprises and industries. The transaction system in the new mode simplifies the transaction process, enhances the reliability of the transaction based on the matching mode of the new credit system, is favorable for the construction of the interest rate lost transaction, truly promotes the development of enterprise financing and enterprise operation, and is favorable for the improvement of the efficiency of the economic market and the operation of capital. Meanwhile, the use of the blockchain distributed account book enables information stored among all the participants to be quickly linked, replaces paper media in a traditional transaction system, and solves the problems that certificates are difficult to store, documents are inconvenient to transfer and the like in the traditional transaction. The data uplink mode improves the fluidity and transparency of data and information, improves the quality and coverage of government departments, is beneficial to the development of a future credit information system, increases the source of credit rating data, and reduces the risk brought by credit worthiness problems. Meanwhile, the digital information is combined with the intelligent contract technology, so that the transaction process and the auditing process are simplified, various resource costs and manpower requirements are saved, and the whole transaction process and financing process are faster, safer, automatic and intelligent. The data information material is also convenient for the supervision department to audit, reduces the working pressure of the supervision department, and is beneficial to the healthy legal development of the future financial market.

In addition, the blockchain-based interest rate losing transaction system, the blockchain-based interest rate losing transaction device and the blockchain-based interest rate losing transaction medium have the advantages.

In addition to the objects, features and advantages described above, the present invention has other objects, features and advantages. The present invention will be described in further detail with reference to the drawings.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention. In the drawings:

FIG. 1 is a schematic diagram of a business process of a conventional mediated interest rate derating transaction model.

FIG. 2 is a flow chart of a blockchain-based interest rate derating transaction method in accordance with the preferred embodiment of the present invention.

FIG. 3 is a block chain network architecture diagram of a preferred embodiment of the present invention.

FIG. 4 is a schematic architecture diagram of a data storage structure of a blockchain network in accordance with the preferred embodiment of the present invention.

Fig. 5 is a schematic sub-flowchart of step S2 in fig. 2.

Fig. 6 is a schematic view of the sub-flow of step S3 in fig. 2.

Fig. 7 is a schematic view of the sub-flow of step S4 in fig. 2.

Fig. 8 is a schematic view of the sub-flow of step S5 in fig. 2.

FIG. 9 is a schematic diagram of a rate derating transaction in a traditional mediation mode in accordance with an embodiment of the present invention.

FIG. 10 is a schematic diagram of a rate derating transaction in a transaction mode according to an embodiment of the present invention.

FIG. 11 is a block diagram illustrating a block-chain based interest rate derating transaction system according to another embodiment of the present invention.

Detailed Description

Embodiments of the invention are described in detail below with reference to the attached drawing figures, but the invention can be practiced in a number of different ways, as defined and covered below.

As shown in FIG. 2, the preferred embodiment of the present invention provides a blockchain-based interest rate derating transaction method, comprising the steps of:

The blockchain network comprises transaction participant organization nodes, credit supervision organization nodes and platform system nodes, wherein the transaction participant organization nodes specifically comprise financing nodes and banking nodes, the credit supervision organization nodes comprise auditing nodes, supervision nodes and credit rating nodes, and the platform system nodes comprise platform nodes, business consultants and information providers.

The transaction participant organization nodes are main sponsors and participants of the interest rate losing transaction, and the included organization can be multi-industry and multi-class organization. For example, various enterprises needing financing, banks providing commercial loans, other financial organizations providing financing services and the like, the various enterprises needing financing form company participants in the interest rate lost transaction, the opponents seeking the interest rate lost transaction mainly want to be matched with the construction meeting the interest rate lost transaction through a public platform, and the commercial banks or other financial organizations providing the financing services want to know the credit data of the companies or individuals seeking the loan service and the histories of the lost transaction participants through the public platform so as to judge the risk of loan issuing and measure the interest rate. The platform system node is mainly used for maintaining daily operation and running of the blockchain technology-based network, ensuring normal connection of communication on the network and normal execution of various intelligent contracts, and besides, the platform system node also needs to maintain normal reading and writing of various data of a database and physical storage, provides safe and reliable login, inquiry, transaction creation and settlement and related consultation services, and can also comprise partial financial information providers and financial service consultants, provide corresponding information inquiry and information analysis services, provide certain financial consultation services and legal consultation services, and maintain and promote the development of the whole interest rate exchange market. The credit supervision organization node mainly comprises organizations subordinate to government departments, such as government auditing departments, government supervision departments, credit rating institutions and the like, and is mainly responsible for auditing identities of the participation parties of the interest rate losing market and transactions running on a platform, so that stability and legitimacy of the transaction market are maintained, and the related credit rating institutions can audit or credit rating the participation parties of the company, so that credit data of the company is perfected and more reference information is provided.

It can be understood that the financing node and the bank node mainly comprise corresponding service nodes and certificate nodes, the service nodes are used for processing inquiry data requests and transaction requests initiated by the participants, and the corresponding data are processed after the processing is performed through the ordering nodes of the platform side. The certificate node is mainly subjected to authentication issuing by a government auditing department, performs certificate issuing on each participant organization, gives corresponding digital identity authority, and performs registration and issuing of communication certificates and digital identities on specific users subordinate to the participants. The system mainly comprises a platform system and other third party service providers (such as a business consultant or an information provider, etc.), the third party service provider mainly comprises a single communication node, is responsible for daily business consultation business and financial information pushing business, does not comprise corresponding business nodes to provide specific business, the platform system mainly comprises after-sales service nodes, ordering nodes and databases, the after-sales service nodes mainly are responsible for carrying out corresponding after-sales service on communication services and data presentation services provided by the platform system, the ordering nodes are used for processing and ordering requests sent by the business nodes of participants and returning data to be called so as to realize business processes, and the databases mainly are responsible for storing business data and credit data which are presented by the business platform and sharing the read-write of maintenance data with the business nodes in a distributed storage mode so as to realize the functions of anti-counterfeiting and tamper resistance. The credit supervision organization mainly comprises government departments and third-party credit rating institutions, the credit rating institutions comprise certificate nodes and service nodes, credit rating service is mainly provided for various company participants, credit data of the company participants are issued through subordinate service nodes, and credit information in a public database is maintained to provide additional credit data and reliability references. The government auditing department is mainly responsible for auditing the account opening business and submitting the transaction, and the subordinate certificate node of the auditing department is mainly responsible for issuing the communication certificate and creating the digital identity to the certificate nodes of other organizations in the network, so that the auditing department can monitor the identity and information of the whole network participant and ensure the security of the whole transaction network. And the service node is mainly responsible for the feedback and processing of related audit services and provides corresponding government services. The supervision department mainly comprises a certificate node and is responsible for supervising the whole falling-period transaction display platform system, and although the system does not provide external service and does not comprise a service node, the supervision department can apply corresponding investigation permission according to related laws and regulations, and access various credit data and transaction data contained in the display platform through the certificate node, so that the task of supervision and check is realized.

As shown in FIG. 4, the data storage of the blockchain network ledger is performed in the form of blockchains, and the ledger data structure mainly comprises a dynamic state library and a blockchain ledger. The dynamic database is mainly used for maintaining the real-time state or balance of each user, on one hand, provides the function of query and verification, and on the other hand, is used for ensuring that the real-time data state of each account in the network can be normally refreshed. The dynamic state library is composed of relational databases, graphic storage databases, temporal databases and other databases and is responsible for the maintenance and processing of dynamic data in the whole account book and even the network. The blockchain account book is mainly used for recording various generated transaction data and information, is the basis for modifying the states of various accounts by the dynamic database, and also depends on the dynamic state library to carry out corresponding balance verification and account verification. The block chain account book is formed by associating a plurality of blocks in a block head, transaction data and block metadata mode, so that a data structure which is difficult to be tampered maliciously is formed, and meanwhile, the association of the blocks and the accuracy of the data are ensured by utilizing a hash algorithm. The blockchain ledger is mainly responsible for the recording and processing of static data in the whole ledger system and even the whole network. The blockchain ledgers are commonly maintained by all participants and the session-breaking transaction display platform, and the transaction data of all ledgers are synchronized in real time, so that the non-tamper property in the whole network is ensured. Based on this ledger architecture, all organizations with business nodes that can generate corresponding transaction information have the obligation to maintain ledgers as well. In the process of realizing the business, the business nodes and the transaction management nodes in each organization update and maintain account book data, and in addition, for the credit supervision organization, the credit rating organization can carry out data uplink on the credit rating data of the company through the company participants, so that credit information is provided and perfected. Nodes of government supervision departments can access account books maintained by the exchange showing platform system to supervise and examine market circulation data and conducted exchanges. The government audit department needs to audit the generated and submitted transaction, so the government audit department also has a ledger with the authority to maintain the ledger.

It can be understood that the blockchain-based interest rate losing transaction method of the embodiment publishes the credit information of the related participants on the blockchain network through the blockchain network, builds a digital credit platform in a new mode, provides a credit basis for removing the role of the financial intermediaries, improves the true transparency of the information, eliminates the information non-circulation and the information asymmetry in the traditional intermediaries mode, and reduces the risk of the bank caused by the credit worthiness problem. On the basis of a credit platform, a decentralised transaction system is realized, preemption and speculation of enterprise benefit rates by a financial agency in a transaction network are eliminated, and direct connection of a bank enterprise is realized, so that the benefit rates truly fall to a real place, and a benefit rate expiration tool truly benefits enterprises and industries. The transaction system in the new mode simplifies the transaction process, enhances the reliability of the transaction based on the matching mode of the new credit system, is favorable for the construction of the interest rate lost transaction, truly promotes the development of enterprise financing and enterprise operation, and is favorable for the improvement of the efficiency of the economic market and the operation of capital. Meanwhile, the use of the blockchain distributed account book enables information stored among all the participants to be quickly linked, replaces paper media in a traditional transaction system, and solves the problems that certificates are difficult to store, documents are inconvenient to transfer and the like in the traditional transaction. The data uplink mode improves the fluidity and transparency of data and information, improves the quality and coverage of government departments, is beneficial to the development of a future credit information system, increases the source of credit rating data, and reduces the risk brought by credit worthiness problems. Meanwhile, the digital information is combined with the intelligent contract technology, so that the transaction process and the auditing process are simplified, various resource costs and manpower requirements are saved, and the whole transaction process and financing process are faster, safer, automatic and intelligent. The data information material is also convenient for the supervision department to audit, reduces the working pressure of the supervision department, and is beneficial to the healthy legal development of the future financial market.

It will be appreciated that the step S1 specifically includes the following:

the method comprises the steps that a lost-period transaction showing platform, a first financing node, a second financing node, a first bank node and a second bank node respectively submit identity information to related auditing nodes to conduct identity auditing, the auditing nodes can uplink and audit related identity materials, and after the auditing materials pass, the auditing nodes can generate and issue corresponding communication certificates and digital identity files for a plurality of participating nodes submitting applications.

After the communication certificate and digital identity are obtained, the plurality of transaction participation nodes may successfully participate in the transaction network. It will be appreciated that, as shown in fig. 5, the step S2 includes the following:

step S21: two financing nodes initiate financing loan application, link corresponding data and search cooperative banking nodes on a lost transaction platform; specifically, the first financing node and the second financing node respectively submit loan material to a swap trade show platform, which links the loan material up.

step S26: and the auditing node audits the corresponding loan service materials, returns the auditing result to the expiration date transaction display platform after the auditing is finished, and links the auditing result. Specifically, the auditing node returns different information to the platform node according to the auditing result, when the approved information is returned to the exchange showing platform, the platform node links the approved result and returns the business acceptance result to the corresponding banking node; if the auditing node does not annotate the loan service, the refused information is returned to the declining transaction showing platform, the platform node links the refused result and returns the service refused result to the corresponding banking node.

After the loan business is completed, two financing nodes can start the construction of the interest rate losing transaction. As shown in fig. 6, the step S3 specifically includes the following steps:

In the step S32, for the transaction that does not need to be submitted to the auditing node, the session information auditing is performed by the session-falling transaction accounting platform, and the auditing result is linked, the platform node returns the transaction information to the two financing nodes, if the auditing is passed, the acceptance information is returned, and the transaction is linked in the auditing process; if the audit is not passed, returning a refusal application. And for the transaction which needs to be submitted to the auditing node, submitting the interest rate expiration date transaction material to the auditing node by the expiration date transaction disclosing platform for auditing and recording, returning an auditing result after the auditing node examines, and uploading the auditing result by the expiration date transaction disclosing platform and then returning the auditing result to the corresponding financing node. Specifically, the falling-period transaction display platform submits the interest rate falling-period transaction materials of the two financing nodes to the auditing node for auditing and recording, the auditing node examines the materials, if the materials pass the examination, the falling-period transaction display platform returns a passing result, the falling-period transaction display platform links the passing result, then the falling-period transaction display platform creates the interest rate falling-period transaction, links the transaction information, and returns a receiving result to the relevant financing node. If the audit node refuses the transaction after the audit, the audit node returns the refusal result to the declining transaction display platform, the declining transaction display platform creates a refusal transaction record, links the transaction information, and returns the refusal result to the relevant financing node. In addition, for the financing node for which the declined trade is refused, the declined trade showing platform adds a corresponding trade refusal record to the financing node and provides alert reference for other financing nodes.

It will be appreciated that, as a preferred option, the step S3 further comprises the steps of:

After the acceptance business of the interest rate withdrawal transaction is processed, the withdrawal transaction display platform detects corresponding loan business information participated by the financing node on a public account book of the blockchain, and feeds back the acceptance result of the final interest rate withdrawal transaction to a banking node corresponding to the financing node so as to maintain the knowledge of the banking node and enhance the information symmetry of the banking node.

It will be appreciated that, as shown in fig. 7, the step S4 specifically includes the following steps:

Preferably, the step S4 further includes the steps of:

It will be appreciated that, as shown in fig. 8, the step S5 includes the steps of:

It can be understood that the interest rate losing transaction is a very important part of transaction modes in the interest rate derivative and even the financial derivative, has a plurality of financial functions, and makes the interest rate losing transaction vigorously develop just because of the huge interest brought by the interest rate losing transaction and takes an important place in the financial market. The interest rate losing period under the new system established by the invention has more functions in the financial market, such as:

The financing cost is reduced: through the interest rate losing transaction showing platform, participants in more markets with different interest rates can utilize the advantages of the interest rates, break the regional limitation and construct the interest rate losing transaction; meanwhile, different participants are influenced by market mechanisms to different degrees, the government supervision forces are different, under the limitation difference, the trade with the cooperative property of interest rate falling trade can occur, and the trade limitation influence and the financing cost are greatly reduced while the respective interest rate demands are met.

Avoidance of interest rate risk: different companies have different demands on financing rates depending on their own resistance to risk and predictions of future financial market rates. Different interest rate risk preferences are thus created, and the liability person can balance or hedge his own liability risk with the interest rate exchange, thereby satisfying his own interest rate risk preferences.

Realizing price discovery: the interest rate losing transaction itself may also reflect an expectation of future market interest rates between the parties to the transaction. In the trade of the financial market, a trade person can generate different trade demands according to different expectations, and the interest rate falls to meet the demands of both sides, and meanwhile, the trade person is actually matched with expected prices of both sides, so that price matching and price discovery in the financial market are promoted, market price and interest rate are promoted to be transferred to reasonable levels, and self-balancing and self-regulating functions of the market are realized.

In the interest rate lost transaction, generally, the companies of both transaction parties mainly consider the change of the future market interest rate and the size of the financing risk, so as to predict the expected value of the overall financing cost. The decision model is used for enabling the participant company to decide whether to participate in the interest rate losing transaction or not and to screen opponents of the interest rate losing transaction. Under the interest rate lost transaction display platform, the invention is mainly used for solving the problem of conducting interest rate lost transactions among enterprises based on a certain floating interest rate and a fixed interest rate given by banks. Based on the characteristics of non-falsifiability of data under the blockchain technology, the establishment of a pricing model of interest rate in the interest rate in-break transaction, which is similar to the non-default pricing model of interest rate in the interest rate in-break transaction, can be assumed. Specifically, the transaction conditions are as follows:

the parameters that need to be included in the interest rate losing trade contract are:

nominal principal of transaction parties: c, performing operation;

duration of interest rate fade transactions: t, and each payment day is T ₁ +t ₂ +t ₃ +…+t _m ＝T；

The two parties need to pay the number of times of interest pays each other: m;

fixed interest rate: i.e _fix ；

Floating interest rate: i.e _floating ；

Market discount rate: r;

the cash flows that the floating interest rate payer needs to pay are:

cash flow for fixed interest rate payees to payThe method comprises the following steps:

the cash flow paid by the two is discounted by using the discount rate:

ideally, the present value of the interest cash flow to be paid should be the same when the transaction opponent is sought, and then the cash flow discount of the two should be equal:

therefore, under the action of the interest rate losing transaction showing platform, the possibility of default of both parties is reduced, and the pricing model of both parties participating in the transaction is as follows:

it will be appreciated that in the future under blockchain network conditions, the parties to the two interest rate hedging transactions will conduct the transactions directly, together enjoying the interest rate benefits offered by the interest rate hedging transactions. Let us assume that the financing rates available to the two companies at present are shown in the following table. Because company A has larger scale and better reputation, the financing rate is lower, the financing cost is lower, and the financing advantage is provided. And company B is smaller and therefore has a higher interest rate to pay and a greater risk premium to pay the loan right. Therefore, the interest rate difference exists between the companies, and the interest rate lost transaction can be constructed to reduce the financing cost of the companies of the two parties, which is also the basis for generating the traditional interest rate lost transaction.

	Fixed interest rate%	Floating interest rate%
			Large Co Ltd A	a ₁	b ₁
Small company B	(a ₁ +a ₂ )	(b ₁ +b ₂ )

As shown in fig. 9, in the conventional mediating mode, the interest rate losing transactions typically require the introduction of a corresponding financial mediating institution to take charge of the exchange of cash flows (interest payable). As shown in fig. 10, in the transaction mode of the present invention, the direct cash flow exchange of the transaction opponent company can be realized through the interest rate falling transaction display platform.

Wherein, the interest rate benefit generated by the fixed interest rate is: p (P) _fix ＝a ₁ +a ₂ -a ₁ ＝a ₂ ，

The interest rate offers generated by floating the interest rate are: p (P) _floating ＝b ₁ -(b ₁ +b ₂ )＝-b ₂ ，

The total interest rate offer generated by the interest rate losing transaction is: p=a ₂ -b ₂ 。

When there is a centralized organization, the revenue of large and small companies will be less than the totalThe financial agency extracts a part of interest rate preferential benefits in the form of commission, namely P _A+B ＜a ₂ -b ₂ ；

In the new transaction mode of the invention, the profits of the large company and the small company are equal to the total profits, and no additional organization participates in profit distribution, namely P' _A+B ＝a ₂ -b ₂ .

Therefore, the method of the invention carries out the interest rate lost transaction, the whole of the A company and the B company can realize the cost reduction of financing, the invention removes the role of the intermediary mechanism for bearing cash flow, realizes the purpose of returning the interest rate preferential to the enterprise, and fundamentally reduces the cost of financing of the enterprise.

In summary, the blockchain-based interest rate losing transaction method of the invention has the following advantages:

the role of a financial agent in the transaction is removed, so that direct negotiation and transaction construction of company participants of the transaction are realized, the information barriers and transaction boundaries are broken, and transparency of credit information and conciseness of a transaction flow are realized. Through a network system based on a blockchain technology, an emerging off-medium interest rate exchange transaction mode is adopted, and the cost burden of a financial medium on the interest rate exchange transaction is banned to release the capital fluidity in a transaction market and the transaction enthusiasm of participating enterprises, so that the progress of enterprise financing and the development of the whole industry are promoted. In addition, compared with the traditional enterprise falling-period transaction mode, the scheme also creatively realizes the information interaction function between the enterprise and the bank. The bank side can collect and know the company side involved in the transaction, the transaction side and the loan bank corresponding to the transaction side through the lost transaction showing platform, so that risk assessment is carried out on the whole transaction, and various potential risks generated by the bank due to information asymmetry are greatly reduced. The auditing procedure can be simplified for the parties participating in the company, the credit information establishment process is simplified, the credit consensus of the transaction is simply realized, the threshold of the enterprise financing loan is reduced, the enterprise financing cost is reduced, and the development of the enterprise is truly promoted.

In addition, in the off-centered interest rate losing transaction, a digital identity and digital credit system based on a blockchain technology is established, the actual performance is converted into digital credit data through registration and authentication of the digital identity, and the establishment of a novel credit system is described through a practical and traceable transaction history and credit data so as to support the development of digital economy and digital trade.

Based on the credit system and the blockchain network, a corresponding open-period transaction display platform can be constructed. Due to the existence of the distributed ledger wall technology, the uplink data cannot be tampered maliciously. Therefore, the credit data and the related transaction data can be safely and safely displayed on the lost transaction display platform, and the company participants can refer to the corresponding credit data and the transaction history safely, so that opponents of the interest rate lost transaction and the corresponding bank participants can be selected. The method improves the transparency and information mobility of the interest rate losing trade market, builds the trade without relying on a third party organization, and directly participates in the negotiation process, thereby realizing autonomy and flexibility of company participants.

Finally, related government regulators are introduced as open markets to improve the strength of market supervision and provide a guarantee for maintaining market order. Because the data are publicly and searchable on the open-term transaction display platform, the supervision department can conveniently realize transaction examination and safety supervision, various risk factors existing in the interest rate open-term transaction are reduced, adverse effects caused by default risks are reduced, and the efficiency and the strength of financial law enforcement and financial maintenance are improved. Meanwhile, the introduction of the supervision and inspection departments facilitates the processes of submitting information and inspecting materials by all participants, and various digitalized certificates improve the business efficiency of the inspection departments and promote the operation of the whole market.

In addition, as shown in fig. 11, another embodiment of the present invention further provides a blockchain-based interest rate derating transaction system, preferably adopting the interest rate derating transaction method as described above, the system comprising:

It can be understood that the blockchain-based interest rate losing transaction system of the embodiment publishes the credit information of the related participants on the blockchain network through the blockchain network, builds a digital credit platform in a new mode, provides a credit basis for removing the role of the financial intermediaries, improves the true transparency of the information, eliminates the information non-circulation and the information asymmetry in the traditional intermediaries mode, and reduces the risk of the bank caused by the credit worthiness problem. On the basis of a credit platform, a decentralised transaction system is realized, preemption and speculation of enterprise benefit rates by a financial agency in a transaction network are eliminated, and direct connection of a bank enterprise is realized, so that the benefit rates truly fall to a real place, and a benefit rate expiration tool truly benefits enterprises and industries. The transaction system in the new mode simplifies the transaction process, enhances the reliability of the transaction based on the matching mode of the new credit system, is favorable for the construction of the interest rate lost transaction, truly promotes the development of enterprise financing and enterprise operation, and is favorable for the improvement of the efficiency of the economic market and the operation of capital. Meanwhile, the use of the blockchain distributed account book enables information stored among all the participants to be quickly linked, replaces paper media in a traditional transaction system, and solves the problems that certificates are difficult to store, documents are inconvenient to transfer and the like in the traditional transaction. The data uplink mode improves the fluidity and transparency of data and information, improves the quality and coverage of government departments, is beneficial to the development of a future credit information system, increases the source of credit rating data, and reduces the risk brought by credit worthiness problems. Meanwhile, the digital information is combined with the intelligent contract technology, so that the transaction process and the auditing process are simplified, various resource costs and manpower requirements are saved, and the whole transaction process and financing process are faster, safer, automatic and intelligent. The data information material is also convenient for the supervision department to audit, reduces the working pressure of the supervision department, and is beneficial to the healthy legal development of the future financial market.

In addition, the present invention also provides a computer readable storage medium storing a computer program for conducting a rate derating transaction based on a blockchain, which when run on a computer performs the steps of the method as described above.

Forms of general computer-readable media include: a floppy disk (floppy disk), a flexible disk (flexible disk), hard disk, magnetic tape, any other magnetic medium, a CD-ROM, any other optical medium, punch cards, paper tape, any other physical medium with patterns of holes, a Random Access Memory (RAM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), a FLASH erasable programmable read-only memory (FLASH-EPROM), any other memory chip or cartridge, or any other medium from which a computer can read. The instructions may further be transmitted or received over a transmission medium. The term transmission medium may include any tangible or intangible medium that may be used to store, encode, or carry instructions for execution by a machine, and includes digital or analog communications signals or their communications with intangible medium that facilitate communication of such instructions. Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting a computer data signal.

The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. The block chain-based interest rate losing transaction method is characterized by comprising the following steps of:

step S5: the two financing nodes pay loan interest to the corresponding banking nodes respectively, and upload interest payment materials to the platform nodes, the banking nodes submit collection information materials to the platform nodes after receiving the interest, the platform nodes carry out audit confirmation on the two materials, and corresponding transaction data are uplink after the confirmation is correct;

the step S2 includes the following:

2. The blockchain-based interest rate u-turn-around transaction method of claim 1, wherein,

the step S3 includes the steps of:

3. The blockchain-based interest rate derating transaction method of claim 2, wherein,

the step S3 further includes the steps of:

4. The blockchain-based interest rate u-turn-around transaction method of claim 1, wherein,

the step S4 includes the steps of:

5. The blockchain-based interest rate u-turn transaction method of claim 4, wherein,

the step S4 further includes the steps of:

6. The blockchain-based interest rate u-turn-around transaction method of claim 1, wherein,

the step S5 includes the steps of:

7. A blockchain-based interest rate derating transaction system employing the interest rate derating transaction method of any one of claims 1-6, the system comprising:

8. An electronic device comprising a processor and a memory, said memory having stored therein a computer program for executing the steps of the method according to any of claims 1-6 by invoking said computer program stored in said memory.

9. A computer readable storage medium storing a computer program for conducting a rate derating transaction based on a blockchain, the computer program when run on a computer performing the steps of the method of any of claims 1 to 6.